What Does Homeowners Insurance Cover?

Dwelling Coverage

Protects the structure of your home, including walls, roof, and foundation, against damage from covered events like fire, storms, and vandalism.

Personal Property Coverage

Covers your belongings, from furniture to electronics, if they’re damaged, lost, or stolen. This coverage ensures you can replace what matters most.

Liability Protection

Offers financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Additional Living Expenses (ALE)

Helps cover temporary housing and other expenses if your home becomes uninhabitable due to a covered loss, so you can keep life running smoothly.

Dwelling Coverage

Protects the structure of your home, including walls, roof, and foundation, against damage from covered events like fire, storms, and vandalism.

Personal Property Coverage

Covers your belongings, from furniture to electronics, if they’re damaged, lost, or stolen. This coverage ensures you can replace what matters most.

Liability Protection

Offers financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Additional Living Expenses (ALE)

Helps cover temporary housing and other expenses if your home becomes uninhabitable due to a covered loss, so you can keep life running smoothly.

Home Insurance in North Carolina

What You Should Know

North Carolina’s diverse weather, from coastal storms to seasonal shifts, makes home insurance essential for peace of mind. With the right coverage, you’re protected from the unexpected, whether it’s a hurricane near the coast or a storm further inland. At Sizemore Insurance, we work with you to find coverage tailored to your home and location—ensuring your protection is both reliable and easy to understand.

Frequently Asked Questions

Do I need separate flood insurance in North Carolina?

Yes, most standard home insurance policies don’t cover flood damage. If you’re in a flood-prone area, we can help you find a policy that protects against flooding and gives you added peace of mind.

How much home insurance coverage do I need?

Your coverage should be enough to fully rebuild your home if necessary. We’ll help assess your home’s value and recommend coverage levels to make sure you’re protected, whatever the situation.

What should I know about hurricane deductibles?

In North Carolina, policies often have separate deductibles for hurricanes or windstorms. We’ll explain what these mean for you and how they affect your out-of-pocket costs in the event of a major storm.

Does home insurance cover personal belongings outside the home?

Yes, many policies include some coverage for personal belongings wherever they are. So whether your items are at home or with you on the go, you’re still covered.